CN109741043A - Fund management method, device and storage medium - Google Patents
Fund management method, device and storage medium Download PDFInfo
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Abstract
The present invention proposes a kind of fund management method, device and storage medium, is applied in net connection clearance platform, and this method includes the multiple management levels determined in net connection clearance platform；For target payment mechanism, excess reserve account corresponding with each management level is distributed；Based on corresponding excess reserve account, the fund of target payment mechanism is managed.It can satisfy the capital management demand of high concurrent through the invention, effectively promote capital management effect.
Description
Technical field
The present invention relates to clearance technical field more particularly to a kind of fund management method, device and storage mediums.
Background technique
In the actual application that net joins clearance platform, net connection clearance platform is distributed frame, in the related technology, needle
Capital management to account single under the distributed frame, the account processing capacity not being able to satisfy under high concurrent and form account heat
Point, such account can be referred to as hot spot account.
In the related technology, for the solution of hot spot account, there are batch processing and amount of money credit two ways.
Under above two mode, the mode of batch processing can not solve timeliness due to the limitation of batch packet treatment effeciency
Problem, and on the one hand the mode of amount of money credit needs to sign credit agreement with payment mechanism, it on the other hand also can not be technically
Mechanism malicious overdraft amount is avoided, so as to cause financial risks, it is impossible to meet the capital management demands of high concurrent.
Summary of the invention
The present invention is directed to solve at least some of the technical problems in related technologies.
For this purpose, can satisfy the fund pipe of high concurrent an object of the present invention is to provide a kind of fund management method
Reason demand effectively promotes capital management effect.
It is another object of the present invention to propose a kind of capital management device.
It is another object of the present invention to propose a kind of non-transitorycomputer readable storage medium.
It is another object of the present invention to propose a kind of computer program product.
It is another object of the present invention to propose a kind of computer equipment.
In order to achieve the above objectives, the fund management method that first aspect present invention embodiment proposes is applied to net connection clearance
In platform, comprising: determine multiple management levels in the net connection clearance platform；For target payment mechanism, distribution and each institute
State the corresponding excess reserve account of management level；Based on the corresponding excess reserve account, to the fund of the target payment mechanism
It is managed.
The fund management method that first aspect present invention embodiment proposes, by determining the multiple pipes netted in connection clearance platform
Manage level；For target payment mechanism, excess reserve account corresponding with each management level is distributed；Based on corresponding excess reserve account
Family is managed the fund of target payment mechanism, can satisfy the capital management demand of high concurrent, effectively promotion capital management
Effect.
In order to achieve the above objectives, the capital management device that second aspect of the present invention embodiment proposes is applied to net connection clearance
In platform, comprising: determining module, for determining multiple management levels in the net connection clearance platform；Distribution module is used for needle
To target payment mechanism, distribution excess reserve account corresponding with each management level；Management module, for being based on the correspondence
Excess reserve account, the fund of the target payment mechanism is managed.
The capital management device that second aspect of the present invention embodiment proposes, by determining the multiple pipes netted in connection clearance platform
Manage level；For target payment mechanism, excess reserve account corresponding with each management level is distributed；Based on corresponding excess reserve account
Family is managed the fund of target payment mechanism, can satisfy the capital management demand of high concurrent, effectively promotion capital management
Effect.
In order to achieve the above objectives, the non-transitorycomputer readable storage medium that third aspect present invention embodiment proposes,
When the instruction in the storage medium is performed by the processor of mobile terminal, so that mobile terminal is able to carry out a kind of fund
Management method is applied in net connection clearance platform, which comprises determines multiple management level in the net connection clearance platform
Grade；For target payment mechanism, distribution excess reserve account corresponding with each management level；Based on the corresponding excess reserve
Account is managed the fund of the target payment mechanism.
The non-transitorycomputer readable storage medium that third aspect present invention embodiment proposes nets connection clearance by determining
Multiple management levels in platform；For target payment mechanism, excess reserve account corresponding with each management level is distributed；Based on pair
The excess reserve account answered, is managed the fund of target payment mechanism, can satisfy the capital management demand of high concurrent, effectively
Promote capital management effect.
In order to achieve the above objectives, the computer program product that fourth aspect present invention embodiment proposes, when the computer
When instruction in program product is executed by processor, a kind of fund management method is executed, is applied in net connection clearance platform, it is described
Method comprises determining that multiple management levels in the net connection clearance platform；For target payment mechanism, distribution and each pipe
Manage the corresponding excess reserve account of level；Based on the corresponding excess reserve account, the fund of the target payment mechanism is carried out
Management.
The computer program product that fourth aspect present invention embodiment proposes, it is multiple in net connection clearance platform by determining
Management level；For target payment mechanism, excess reserve account corresponding with each management level is distributed；Based on corresponding excess reserve account
Family is managed the fund of target payment mechanism, can satisfy the capital management demand of high concurrent, effectively promotion capital management
Effect.
Fifth aspect present invention embodiment also proposes a kind of computer equipment, the computer equipment include shell, processor,
Memory, circuit board and power circuit, wherein the circuit board is placed in the space interior that the shell surrounds, the processing
Device and the memory are arranged on the circuit board；The power circuit, for each circuit for the computer equipment
Or device power supply；The memory is for storing executable program code；The processor is deposited by reading in the memory
The executable program code of storage runs program corresponding with the executable program code, for executing: determining the net
Multiple management levels in connection clearance platform；For target payment mechanism, distribution excess reserve corresponding with each management level
Account；Based on the corresponding excess reserve account, the fund of the target payment mechanism is managed.
The computer equipment that fifth aspect present invention embodiment proposes, by determining the multiple management netted in connection clearance platform
Level；For target payment mechanism, excess reserve account corresponding with each management level is distributed；Based on corresponding excess reserve account,
The fund of target payment mechanism is managed, can satisfy the capital management demand of high concurrent, effectively promotes capital management effect
Fruit.
The additional aspect of the present invention and advantage will be set forth in part in the description, and will partially become from the following description
Obviously, or practice through the invention is recognized.
Detailed description of the invention
Above-mentioned and/or additional aspect and advantage of the invention will become from the following description of the accompanying drawings of embodiments
Obviously and it is readily appreciated that, in which:
Fig. 1 is the flow diagram for the fund management method that one embodiment of the invention proposes；
Fig. 2 is the flow diagram for the fund management method that another embodiment of the present invention proposes；
Fig. 3 is the architectural framework schematic diagram of excess reserve account in the embodiment of the present invention；
Fig. 4 is provision gold system of account design diagram in the embodiment of the present invention；
Fig. 5 is the structural schematic diagram for the capital management device that one embodiment of the invention proposes；
Fig. 6 is the structural schematic diagram for the computer equipment that one embodiment of the invention proposes.
Specific embodiment
The embodiment of the present invention is described below in detail, examples of the embodiments are shown in the accompanying drawings, wherein from beginning to end
Same or similar label indicates same or similar element or element with the same or similar functions.Below with reference to attached
The embodiment of figure description is exemplary, and for explaining only the invention, and is not considered as limiting the invention.On the contrary, this
The embodiment of invention includes all changes fallen within the scope of the spiritual and intension of attached claims, modification and is equal
Object.
Fig. 1 is the flow diagram for the fund management method that one embodiment of the invention proposes.
The present embodiment is configured as illustrating in capital management device with fund management method.
Fund management method can be configured in capital management device in the present embodiment, and capital management device can be set
In the server, or also can be set in the electronic device, the embodiment of the present invention to this with no restriction.
The present embodiment is by taking fund management method is configured in the server as an example.
Wherein, electronic equipment is, for example, PC (Personal Computer, PC), and cloud device or movement are set
It is standby, mobile device such as smart phone or tablet computer etc..
It should be noted that the executing subject of the embodiment of the present invention, can be, for example, server or electronics on hardware
Central processing unit (Central Processing Unit, CPU) in equipment, on software can be, for example, server or
Relevant background service in electronic equipment, with no restriction to this.
Fund management method is applied in net connection clearance platform in the present embodiment, and net connection clearance platform is distributed frame.
In the actual application that net joins clearance platform, net connection clearance platform is distributed frame, in the related technology, needle
Capital management to account single under the distributed frame, the account processing capacity not being able to satisfy under high concurrent and form account heat
Point, such account can be referred to as hot spot account.
In the related technology, for the solution of hot spot account, there are batch processing and amount of money credit two ways.
Under above two mode, the mode of batch processing can not solve timeliness due to the limitation of batch packet treatment effeciency
Problem, and on the one hand the mode of amount of money credit needs to sign credit agreement with payment mechanism, it on the other hand also can not be technically
Mechanism malicious overdraft amount is avoided, so as to cause financial risks, it is impossible to meet the capital management demands of high concurrent.
In order to solve the above-mentioned technical problem, the embodiment of the present invention provides a kind of fund management method, by determining that net connection is clear
Calculate multiple management levels in platform；For target payment mechanism, excess reserve account corresponding with each management level is distributed；It is based on
Corresponding excess reserve account, is managed the fund of target payment mechanism, can satisfy the capital management demand of high concurrent, has
Effect promotes capital management effect.
Referring to Fig. 1, this method comprises:
S101: multiple management levels in net connection clearance platform are determined.
Net connection clearance platform in the embodiment of the present invention is distributed frame.
The architectural framework of excess reserve account therein is corresponding with the net connection clearance distributed frame of platform, specifically, net
Connection clearance platform includes: to manage platform, data base administration center and database concentratedly, data base administration center therein
Quantity can be to be multiple, and in different geographic areas, centralized management platform is used for each number each data base administration central distribution
It is managed concentratedly according to the data in the administrative center of library, correspondingly, database is used to support the business golden out of each payment mechanism
With enter golden business.
In the embodiment of the present invention, each data base administration center handles the network payment that different payment mechanisms are initiated respectively and hands over
Easily, the transaction data of each data center summarize collect centralized management platform therefore, can in the embodiment of the present invention
The excess reserve account of centralized management platform level is set up for different payment mechanisms respectively in centralized management platform, and
The excess reserve account of data base administration center level is set up for each data base administration center, and is directed to database tier, if
The excess reserve account of vertical database tier, also, consider that the excess reserve account of database tier can be discrete based on performance
Multiple virtual subnet accounts.
Management level therein includes: centralized management platform level, data base administration center level and database layer
Grade.
S102: being directed to target payment mechanism, distributes excess reserve account corresponding with each management level.
Optionally, for target payment mechanism, excess reserve account corresponding with each management level is distributed, comprising: be directed to mesh
Payment mechanism is marked, distribution excess reserve main account corresponding with centralized management platform level, the number of excess reserve main account is one；
For target payment mechanism, distributes excess reserve corresponding with data base administration center level and divide account, of excess reserve main account
Number is identical as the number at data base administration center；For target payment mechanism, provision gold corresponding with database tier is distributed
Account, provision gold account, comprising: it is multiple enter gold account, it is multiple go out gold account.
Optionally, for target payment mechanism, provision gold account corresponding with database tier is distributed, comprising: according to
The type of service of target payment mechanism determines destination number；For target payment mechanism, mesh corresponding with database tier is distributed
Mark the provision gold account of quantity.
It is directed to target payment mechanism above-mentioned, distributes after excess reserve account corresponding with each management level, can trigger
Based on corresponding excess reserve account, the fund of target payment mechanism is managed.
S103: it is based on corresponding excess reserve account, the fund of target payment mechanism is managed.
Optionally, the embodiment of the present invention is based on corresponding excess reserve account during specific execute, and pays to target
The fund of mechanism is managed, comprising: is determined that each management level is corresponding and is alloted ratio value；By the fund of target payment mechanism,
According to it is each it is corresponding allot ratio value, distribution is stored in the corresponding excess reserve account of each management level.
As an example, excess reserve account, the excess reserve of data base administration center level of platform level are managed concentratedly
Account, the excess reserve account with database tier, the excess reserve between the excess reserve account of each management level allots ratio value can
With with the relationship of X:Y:Z carry out excess reserve allot, initially allot during, can by the excess reserve of target payment mechanism,
Wherein ratio is that the part of X/ (X+Y+Z) is stored in the excess reserve account of centralized management platform level, and ratio is Y/ (X+Y+Z)
Part is stored in the excess reserve account of data base administration center level, and ratio is that the part of Z/ (X+Y+Z) is stored in database layer
In the excess reserve account of grade.
Ratio value therein of alloting can be preset by alloting empirical value, with no restriction to this.
By above-mentioned, the excess reserve account that can be realized each management level is fully utilized, and realizes the standby of each management level
Pay the initial balance of golden account.
As an example, the architectural framework that excess reserve account can be longitudinally realized using three-level system of account, is specifically set
It counts as follows:
The first order, excess reserve main account corresponding with centralized management platform level.
Net connection clearance platform is distributed frame, and each data base administration center handles what different payment mechanisms were initiated respectively
Network payment transaction, the transaction data of each data center, which summarize, collects centralized management platform, and therefore, the present invention is real
It applies in example, target payment mechanism, distribution excess reserve main account corresponding with centralized management platform level, excess reserve master can be directed to
The number of account is one, and excess reserve main account is mainly responsible for be docked with payment mechanism.
The second level, excess reserve corresponding with data base administration center level divide account.
Each data base administration center of net connection clearance platform can pay class business with independent processing networks, not be strongly dependent upon
Manage platform concentratedly, the embodiment of the present invention, can be by the excess reserve at each data base administration center point during specific execute
The available balance of account is collected to excess reserve main account, can also transfer money from excess reserve main account via the excess reserve point account
Fund is then distributed to the corresponding provision gold account of database administrative center by gold.
The embodiment of the present invention can be directed to each target payment mechanism, in data base administration during specific execute
The heart distributes a corresponding excess reserve and divides account, summarizes the remaining sum into gold account via the excess reserve point account timing, and adjust
It is allocated to out gold account, with this, ensures out gold account fund sufficiency, also, can also be before submitting target payment mechanism, it will
Account available balance is collected to excess reserve point account.
The third level, provision gold account corresponding with database tier, provision gold account, comprising: it is multiple enter gold account
Family, multiple gold accounts out.
The embodiment of the present invention is based on high concurrent performance considerations during specific execute, can be by provision gold account
Discrete multiple virtual subnet accounts are set as, provision gold account and excess reserve point account are set memberships, and proportionate relationship is N:
1。
The embodiment of the present invention is during specific execute, since net joins the quantity at the data base administration center of clearance platform
Can be to be multiple, each data base administration central distribution is in different geographic areas, and therefore, excess reserve main account is according to every number
It according to library administrative center, is managed according to geographic area, in the embodiment of the present invention, realizes the service class according to target payment mechanism
Type determines destination number；For target payment mechanism, the provision gold account of destination number corresponding with database tier is distributed,
The business development demand of net connection clearance platform, method for improving flexibility can neatly be met.
Optionally, in some embodiments, referring to fig. 2, it is based on corresponding excess reserve account, to the fund of target payment mechanism
It is managed, comprising:
S201: every predetermined period, excess reserve main account is triggered to the money respectively entered in gold account and excess reserve point account
Gold carries out collecting processing.
S202: according to each management level, the fund allocation and transfer in gold account will be entered to gold account out in conjunction with preset strategy
In.
It is the architectural framework schematic diagram of excess reserve account in the embodiment of the present invention referring to Fig. 3, Fig. 3.
Provision gold account setup can be discrete multiple virtual during specific execute by the embodiment of the present invention
Sub- account, referring to fig. 4, Fig. 4 are provision gold system of account design diagram in the embodiment of the present invention.
In practical application scene, according to type of service difference, agreement payment, bank validation agreement are paid, certification is paid,
Gateway payment belongs into golden business, and reimbursement, payment belong to golden business out, wherein enter golden business mainly in provision gold account
Middle increase amount of money operation, golden business mainly reduces amount of money operation in provision gold account out, and provision gold account enters gold
With go out gold operation be related to provision gold account two ways: enter gold account and out gold account it is discrete be arranged, enter gold account
Family and out gold account share.
In the embodiment of the present invention, can be will enter gold account and the out discrete setting of gold account, enter gold account to entering
Golden timeliness requirement is relatively low, and gold account is more demanding to golden timeliness is gone out out, enters gold and goes out golden be separately able to satisfy without service class
Requirement of the type to processing timeliness.Enter the portfolio that golden business occupies mobile payment 90%, enter gold account can it is discrete relatively
More virtual subnet accounts are to meet performance requirement.Enter gold operation and be first recorded into golden flowing water table, will periodically enter remaining sum in golden flowing water table
Summarize to golden account is entered, reduces the concurrency of excess reserve account 90%, can solve into golden hot spot account problem；Golden business is about out
The portfolio of mobile payment 10% is accounted for, it can be with discrete relatively small number of gold account quantity out.When entering and leaving gold account separately, out
The sub- account of gold can reduce about 90%, and payment mechanism excess reserve, which shares each gold account amount of money out, will increase 9 times, individually go out
The probability for going out golden business that Sorry, your ticket has not enough value, which will occur, for gold account to substantially reduce；Enter gold account balance can periodically be pooled to it is standby
Golden main account is paid, excess reserve main account is dynamically alloted from the account according to gold account residual amount out and goes out gold to excess reserve
In account, the supplement of gold account amount is completed out.Enter gold account and gold account can be according to payment mechanism portfolio out
The discrete different number of size enters golden account quantity and out gold account quantity, to meet different performance requirements.
In the embodiment of the present invention, the architectural framework of above-mentioned excess reserve account is able to solve the standby of Third-party payment mechanism
The hot issue for paying the centrally stored lower excess reserve account of gold, the capital management demand of high concurrent is met from technical standpoint.
In the present embodiment, by determining the multiple management levels netted in connection clearance platform；For target payment mechanism, distribution
Excess reserve account corresponding with each management level；Based on corresponding excess reserve account, pipe is carried out to the fund of target payment mechanism
Reason, can satisfy the capital management demand of high concurrent, effectively promote capital management effect.
Fig. 5 is the structural schematic diagram for the capital management device that one embodiment of the invention proposes.
Join in clearance platform applied to net.
Referring to Fig. 5, which includes:
Determining module 501, for determining the multiple management levels netted in connection clearance platform.
Distribution module 502 distributes excess reserve account corresponding with each management level for being directed to target payment mechanism.
Management module 503 is managed the fund of target payment mechanism for being based on corresponding excess reserve account.
Optionally, in some embodiments, management level includes: centralized management platform level, data base administration center level,
And database tier, distribution module 502 are specifically used for:
For target payment mechanism, distribution excess reserve main account corresponding with centralized management platform level, the main account of excess reserve
The number at family is one；
For target payment mechanism, distributes excess reserve corresponding with data base administration center level and divide account, excess reserve master
The number of account is identical as the number at data base administration center；
For target payment mechanism, provision gold account corresponding with database tier, provision gold account, packet are distributed
Include: it is multiple enter gold account, it is multiple go out gold account.
Optionally, in some embodiments, distribution module 502 is specifically used for:
Destination number is determined according to the type of service of target payment mechanism；
For target payment mechanism, the provision gold account of destination number corresponding with database tier is distributed.
Optionally, in some embodiments, management module 503 is specifically used for:
It determines that each management level is corresponding and allots ratio value；
By the fund of target payment mechanism, according to it is each it is corresponding allot ratio value, it is corresponding that distribution is stored in each management level
Excess reserve account in.
Optionally, in some embodiments, management module 503 is specifically used for:
Every predetermined period, trigger excess reserve main account to the fund respectively entered in gold account and excess reserve point account into
Row collects processing；Alternatively,
According to each management level, the fund allocation and transfer in gold account will be entered into gold account out in conjunction with preset strategy.
It should be noted that being also suitable in earlier figures 1- Fig. 4 embodiment to the explanation of fund management method embodiment
In the capital management device 500 of the embodiment, realization principle is similar, and details are not described herein again.
In the present embodiment, by determining the multiple management levels netted in connection clearance platform；For target payment mechanism, distribution
Excess reserve account corresponding with each management level；Based on corresponding excess reserve account, pipe is carried out to the fund of target payment mechanism
Reason, can satisfy the capital management demand of high concurrent, effectively promote capital management effect.
Fig. 6 is the structural schematic diagram for the computer equipment that one embodiment of the invention proposes.
The computer equipment can be mobile phone, tablet computer etc..
Referring to Fig. 6, the computer equipment 60 of the present embodiment includes: shell 601, processor 602, memory 603, circuit board
604, power circuit 605, circuit board 604 are placed in the space interior that shell 601 surrounds, and processor 602, memory 603 are arranged
On circuit board 604；Power circuit 605, for powering for each circuit of computer equipment 60 or device；Memory 603 is used for
Store executable program code；Wherein, processor 602 is transported by reading the executable program code stored in memory 603
Row program corresponding with executable program code, for executing:
Determine multiple management levels in net connection clearance platform；
For target payment mechanism, excess reserve account corresponding with each management level is distributed；
Based on corresponding excess reserve account, the fund of target payment mechanism is managed.
It should be noted that being also suitable in earlier figures 1- Fig. 4 embodiment to the explanation of fund management method embodiment
In the computer equipment 60 of the embodiment, realization principle is similar, and details are not described herein again.
Computer equipment in the present embodiment, by determining the multiple management levels netted in connection clearance platform；For target
Payment mechanism distributes excess reserve account corresponding with each management level；Based on corresponding excess reserve account, to target payment mechanism
Fund be managed, can satisfy the capital management demand of high concurrent, effectively promoted capital management effect.
In order to realize above-described embodiment, the present invention also proposes a kind of non-transitorycomputer readable storage medium, works as storage
It when instruction in medium is executed by the processor of terminal, enables the terminal to execute a kind of fund management method, is applied to net connection
It clears in platform, method includes:
Determine multiple management levels in net connection clearance platform；
For target payment mechanism, excess reserve account corresponding with each management level is distributed；
Based on corresponding excess reserve account, the fund of target payment mechanism is managed.
Non-transitorycomputer readable storage medium in the present embodiment, by determining the multiple pipes netted in connection clearance platform
Manage level；For target payment mechanism, excess reserve account corresponding with each management level is distributed；Based on corresponding excess reserve account
Family is managed the fund of target payment mechanism, can satisfy the capital management demand of high concurrent, effectively promotion capital management
Effect.
In order to realize above-described embodiment, the present invention also proposes a kind of computer program product, when in computer program product
Instruction when being executed by processor, execute a kind of fund management method, be applied in net connection clearance platform, method includes:
Determine multiple management levels in net connection clearance platform；
For target payment mechanism, excess reserve account corresponding with each management level is distributed；
Based on corresponding excess reserve account, the fund of target payment mechanism is managed.
Computer program product in the present embodiment, by determining the multiple management levels netted in connection clearance platform；For
Target payment mechanism distributes excess reserve account corresponding with each management level；Based on corresponding excess reserve account, target is paid
The fund of mechanism is managed, and can satisfy the capital management demand of high concurrent, effectively promotes capital management effect.
It should be noted that in the description of the present invention, term " first ", " second " etc. are used for description purposes only, without
It can be interpreted as indication or suggestion relative importance.In addition, in the description of the present invention, unless otherwise indicated, the meaning of " multiple "
It is two or more.
Any process described otherwise above or method description are construed as in flow chart or herein, and expression includes
It is one or more for realizing specific logical function or process the step of executable instruction code module, segment or portion
Point, and the range of the preferred embodiment of the present invention includes other realization, wherein can not press shown or discussed suitable
Sequence, including according to related function by it is basic simultaneously in the way of or in the opposite order, Lai Zhihang function, this should be of the invention
Embodiment person of ordinary skill in the field understood.
It should be appreciated that each section of the invention can be realized with hardware, software, firmware or their combination.Above-mentioned
In embodiment, software that multiple steps or method can be executed in memory and by suitable instruction execution system with storage
Or firmware is realized.It, and in another embodiment, can be under well known in the art for example, if realized with hardware
Any one of column technology or their combination are realized: having a logic gates for realizing logic function to data-signal
Discrete logic, with suitable combinational logic gate circuit specific integrated circuit, programmable gate array (PGA), scene
Programmable gate array (FPGA) etc..
Those skilled in the art are understood that realize all or part of step that above-described embodiment method carries
It suddenly is that relevant hardware can be instructed to complete by program, the program can store in a kind of computer-readable storage medium
In matter, which when being executed, includes the steps that one or a combination set of embodiment of the method.
It, can also be in addition, each functional unit in each embodiment of the present invention can integrate in a processing module
It is that each unit physically exists alone, can also be integrated in two or more units in a module.Above-mentioned integrated mould
Block both can take the form of hardware realization, can also be realized in the form of software function module.The integrated module is such as
Fruit is realized and when sold or used as an independent product in the form of software function module, also can store in a computer
In read/write memory medium.
Storage medium mentioned above can be read-only memory, disk or CD etc..
In the description of this specification, reference term " one embodiment ", " some embodiments ", " example ", " specifically show
The description of example " or " some examples " etc. means specific features, structure, material or spy described in conjunction with this embodiment or example
Point is included at least one embodiment or example of the invention.In the present specification, schematic expression of the above terms are not
Centainly refer to identical embodiment or example.Moreover, particular features, structures, materials, or characteristics described can be any
One or more embodiment or examples in can be combined in any suitable manner.
Although the embodiments of the present invention has been shown and described above, it is to be understood that above-described embodiment is example
Property, it is not considered as limiting the invention, those skilled in the art within the scope of the invention can be to above-mentioned
Embodiment is changed, modifies, replacement and variant.
Claims (13)
1. a kind of fund management method, which is characterized in that be applied in net connection clearance platform, the described method comprises the following steps:
Determine multiple management levels in the net connection clearance platform；
For target payment mechanism, distribution excess reserve account corresponding with each management level；
Based on the corresponding excess reserve account, the fund of the target payment mechanism is managed.
2. fund management method as described in claim 1, which is characterized in that the management level includes: centralized management platform
Level, data base administration center level and database tier, it is described to be directed to target payment mechanism, distribution and each management
The corresponding excess reserve account of level, comprising:
For the target payment mechanism, excess reserve main account corresponding with the centralized management platform level is distributed, it is described standby
The number for paying golden main account is one；
For the target payment mechanism, distributes excess reserve corresponding with data base administration center level and divide account, it is described
The number of excess reserve main account is identical as the number at data base administration center；
For the target payment mechanism, provision gold account corresponding with the database tier, the provision gold are distributed
Account, comprising: it is multiple enter gold account, it is multiple go out gold account.
3. fund management method as claimed in claim 2, which is characterized in that described to be directed to the target payment mechanism, distribution
Provision gold account corresponding with the database tier, comprising:
Destination number is determined according to the type of service of the target payment mechanism；
For the target payment mechanism, the provision gold account of destination number corresponding with the database tier is distributed.
4. fund management method as claimed in claim 2, which is characterized in that it is described to be based on the corresponding excess reserve account,
The fund of the target payment mechanism is managed, comprising:
It determines that each management level is corresponding and allots ratio value；
By the fund of the target payment mechanism, according to it is each it is described it is corresponding allot ratio value, distribution is stored in each management
In the corresponding excess reserve account of level.
5. fund management method as claimed in claim 2, which is characterized in that it is described to be based on the corresponding excess reserve account,
The fund of the target payment mechanism is managed, comprising:
Every predetermined period, trigger the excess reserve main account to it is each it is described enter gold account and the excess reserve point account in
Fund carry out collecting processing；Alternatively,
According to each management level, in conjunction with preset strategy by it is described enter gold account in fund allocation and transfer to it is described go out gold account
In family.
6. a kind of capital management device, which is characterized in that be applied in net connection clearance platform, described device includes:
Determining module, for determining multiple management levels in the net connection clearance platform；
Distribution module, for being directed to target payment mechanism, distribution excess reserve account corresponding with each management level；
Management module is managed the fund of the target payment mechanism for being based on the corresponding excess reserve account.
7. capital management device as claimed in claim 6, which is characterized in that the management level includes: centralized management platform
Level, data base administration center level and database tier, the distribution module are specifically used for:
For the target payment mechanism, excess reserve main account corresponding with the centralized management platform level is distributed, it is described standby
The number for paying golden main account is one；
For the target payment mechanism, distributes excess reserve corresponding with data base administration center level and divide account, it is described
The number of excess reserve main account is identical as the number at data base administration center；
For the target payment mechanism, provision gold account corresponding with the database tier, the provision gold are distributed
Account, comprising: it is multiple enter gold account, it is multiple go out gold account.
8. capital management device as claimed in claim 7, which is characterized in that the distribution module is specifically used for:
Destination number is determined according to the type of service of the target payment mechanism；
For the target payment mechanism, the provision gold account of destination number corresponding with the database tier is distributed.
9. capital management device as claimed in claim 7, which is characterized in that the management module is specifically used for:
It determines that each management level is corresponding and allots ratio value；
By the fund of the target payment mechanism, according to it is each it is described it is corresponding allot ratio value, distribution is stored in each management
In the corresponding excess reserve account of level.
10. capital management device as claimed in claim 7, which is characterized in that the management module is specifically used for:
Every predetermined period, trigger the excess reserve main account to it is each it is described enter gold account and the excess reserve point account in
Fund carry out collecting processing；Alternatively,
According to each management level, in conjunction with preset strategy by it is described enter gold account in fund allocation and transfer to it is described go out gold account
In family.
11. a kind of non-transitorycomputer readable storage medium, is stored thereon with computer program, which is characterized in that the program
Fund management method according to any one of claims 1 to 5 is realized when being executed by processor.
12. a kind of computer program product executes one kind when the instruction in the computer program product is executed by processor
Fund management method is applied in net connection clearance platform, which comprises
Determine multiple management levels in the net connection clearance platform；
For target payment mechanism, distribution excess reserve account corresponding with each management level；
Based on the corresponding excess reserve account, the fund of the target payment mechanism is managed.
13. a kind of computer equipment, including shell, processor, memory, circuit board and power circuit, wherein the circuit board
It is placed in the space interior that the shell surrounds, the processor and the memory are arranged on the circuit board；The electricity
Source circuit, for each circuit or the device power supply for the computer equipment；The memory is for storing executable program
Code；The processor is run and the executable program by reading the executable program code stored in the memory
The corresponding program of code, for executing:
Determine multiple management levels in the net connection clearance platform；
For target payment mechanism, distribution excess reserve account corresponding with each management level；
Based on the corresponding excess reserve account, the fund of the target payment mechanism is managed.
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| CN201811044519.4A CN109741043B (en) | 2018-09-07 | 2018-09-07 | Fund management method, apparatus and storage medium |
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| CN201811044519.4A CN109741043B (en) | 2018-09-07 | 2018-09-07 | Fund management method, apparatus and storage medium |
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| CN109741043B (en) | 2023-01-20 |
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